Respondent agrees to pay civil money penalty assessed by the FDIC in
the amount of $4,000.

In the Matter of
FINANCE FACTORS, LTD.HONOLULU, HAWAII(Insured State Nonmember Bank)
ORDER TO PAYCIVIL MONEYPENALTY

FDIC-01-079k

Finance Factors, Ltd., Honolulu, Hawaii ("Respondent") has
been advised of the right to receive a NOTICE OF ASSESSMENT OF CIVIL
MONEY PENALTY, FINDINGS OF FACT AND CONCLUSIONS OF LAW, ORDER TO PAY,
AND NOTICE OF HEARING ("NOTICE") issued by the Federal Deposit
Insurance Corporation ("FDIC") detailing the violations for which
a civil money penalty may be assessed against Respondent pursuant to
section 8(i)(2) of the Federal Deposit Insurance Act ("Act"), 12
U.S.C. § 1818(i)(2), section 305 of the Home Mortgage Disclosure Act
("HMDA"), 12 U.S.C. § 2804, and section 203.6 of Regulation C
of the Board of Governors of the Federal Reserve System, 12 C.F.R.
§ 203.6, and has been further advised of the right to a hearing on
the alleged charges under section 8(i) of the Act, 12 U.S.C.
§ 1818(i), and the FDIC's Rules of Practice and Procedure, 12 C.F.R.
Part 308. Having waived those rights, the Respondent entered into a
STIPULATION AND CONSENT TO THE ISSUANCE OF AN ORDER TO PAY CIVIL MONEY
PENALTY ("AGREEMENT") with a representative of the Legal Division
of the FDIC, whereby solely for the purpose of this proceeding and
without admitting or denying any violations, Respondent consented and
agreed to pay a civil money penalty in the amount of $4,000.00, related
to its inaccurate submission of the application and loan data for
calendar year 1999 required by HMDA.

The FDIC considered the matter and determined it had reason to believe
that the Respondent has engaged or participated in violations of law or
regulation for which a civil money penalty of four thousand dollars
($4,000.00) is appropriate to be assessed against the Respondent
pursuant to section 8(i)(2) of the Act. 12 U.S.C. § 1818(i)(2).
{{10-31-01 p.C-5185}}

The FDIC, therefore, accepted the AGREEMENT and issued the following:

ORDER TO PAYCIVIL MONEY PENALTY

IT IS HEREBY ORDERED that Respondent be, and hereby is, assessed a
civil money penalty of $4,000.00 pursuant to section 8(i)(2) of the
Act, 12 U.S.C. § 1818(i)(2), the receipt of which is hereby
acknowledged.